Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT

Effective March 16th, 2023

SAVINGS
SAVINGS Accounts Terms & Balances	Primary Share Savings Regular	Additional Regular Share Savings	IRA Share Savings	Coogan Share Savings	Young Performer Share Savings
Minimum Deposit to Open Account	$25	None	$25	$25	$25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee	$250	None	None	None	None
Minimum Balance to Earn Dividends	$250	$250	$25	$25	$25
Balance Tiers to Earn Dividends:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
$25.00 - $9,999.99			0.300%	0.300%	0.300%
$250.00 - $9,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$10,000.00 - $24,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$25,000.00 - $49,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$50,000.00 - $99,999.99	0.500%	0.500%	0.500%	0.500%	0.500%
$100,000.00 and Over	0.550%	0.550%	0.550%	0.550%	0.550%

CERTIFICATES
CERTIFICATE Accounts	Minimum Deposit and Balance $1,000**	Minimum Deposit and Balance $10,000**	Minimum Deposit and Balance $25,000**	Minimum Deposit and Balance $50,000**
CERTIFICATE Term:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
6 Months	2.500%	2.600%	2.650%	2.700%
12 Months	3.000%	3.100%	3.150%	3.200%
24 Months	3.000%	3.100%	3.150%	3.200%
36 Months	3.000%	3.100%	3.150%	3.200%
48 Months	3.500%	3.600%	3.650%	3.700%
60 Months	3.700%	3.800%	3.850%	3.900%

CHECKING
CHECKING Accounts Terms & Balances	Performance Checking Account	eChecking Account	Senior Checking Account	Health Savings Account (HSA)
Minimum Deposit to Open Account	$25	$25	$25	$25
Minimum Balance to Maintain Account	None	None	None	None
Monthly Service Charge	$7.95	$0.00*	$0.00*	None
Minimum Average Balance to Avoid Service Charge	$1,000.00**	$0.00*	$0.00*	None
Minimum Average Balance to Earn Dividends	$1,000	N/A	N/A	No Minimum
Balance Tiers to Earn Dividends:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
$ 0.01 and Over				0.010%
$1,000.00 and Over	0.010%	N/A	N/A

MONEY MARKET
MONEY MARKET Account Terms & Balances		Money Market Savings Account
Minimum Deposit to Open Account		$2,500
Minimum Balance to Maintain Account or Avoid Fee		$2,500
Minimum Balance to Earn Dividends		No Minimum
Balance Tiers to Earn Dividends:		Annual Percentage Yield
$ 0.01 - $2,499.99		0.300%
$2,500 - $24,999.99		0.800%
$25,000.00 - $49,999.99		0.950%
$50,000.00 - $74,999.99		1.300%
$75,000.00 - $99,999.99		1.400%
$100,000.00 and Over		1.450%

¹ indicates a 1% discount rate for loans scheduled for auto pay

APR* means Annual Percentage Rate. Limit Time Offer.

AUTOMOBILES
Loan Type	Financing up to 100% based upon creditworthiness	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
2022 & Newer Model Years	100%	$5,000 or more	60 Months	5.99%	$19.34	4.99%	$18.88
2022 & Newer Model Years	100%	$5,000 or more	72 months	6.24%	$16.70	5.24%	$16.23
	100%	$5,000 or more	84 Months	8.24%	$15.72	7.24%	$15.22
2018-2021 Model Year	100%	$5,000 or more	60 months	6.49%	$19.57	5.49%	$19.11
2018-2021 Model Years	100%	$5,000 or more	72 Months	6.74%	$16.94	5.74%	$16.46
	100%	$5,000 or more	84 Months	8.74%	$15.97	7.74%	$15.47
2013-2017 Model Years	100%	$5,000 or more	60 Months	7.99%	$20.28	6.99%	$19.81

MOTORCYCLES AND BOATS
Loan Type	Financing up to 90% based upon credit worthiness	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
2022 and Newer Model Years	90%	$15,000 or more	84 Months	7.49%	$15.34	6.49%	$14.85
	90%	Less Than $15,000	72 Months	7.99%	$17.54	6.99%	$17.05
	90%	Less Than $5,000	72 Months	9.49%	$18.28	8.49%	$17.78
2018-2021 Model Years	90%	$15,000 or more	72 Months	7.75%	$17.42	6.75%	$16.94
	90%	Less Than $15,000	60 Months	8.25%	$20.41	7.25%	$19.93
	90%	Less Than $15,000	60 Months	9.75%	$21.14	8.75%	$20.65
2013-2017 Model Years	90%	$15,000 or more	48 Months	7.75%	$24.31	6.75%	$23.84
	90%	Less Than $15,000	48 Months	8.25%	$24.54	7.25%	$24.07
	90%	Less Than $5,000	48 Months	9.75%	$25.26	8.75%	$24.78

RECREATIONAL VEHICLES
Loan Type	Financing up to 90% based upon credit worthiness	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
2022 & Newer Model Years	90%	$15,000 or more	84 Months	7.49%	$15.34	6.49%	$14.85
	90%	Less Than $15,000	72 Months	7.99%	$17.54	6.99%	$17.05
	90%	Less Than $5,000	72 Months	9.49%	$18.28	8.49%	$17.78
2018-2021 Model Years	90%	$15,000 or more	72 Months	7.75%	$17.42	6.75%	$16.94
	90%	Less Than $15,000	60 Months	8.25%	$20.41	7.25%	$19.93
	90%	Less Than $5,000	60 Months	9.75%	$21.14	8.75%	$20.65
2013-2017 Model Years	90%	$15,000 or more	48 Months	7.75%	$24.31	6.75%	$23.84
	90%	Less Than $15,000	48 Months	8.25%	$24.54	7.25%	$24.07
	90%	Less Than $5,000	48 Months	9.75%	$25.26	8.75%	$24.78

SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As1	Repayment Per $1,000 Borrowed Based on APR & Term
	N/A	Up to $15,000	60 Months	10.90%	$21.20	9.90%	$20.72

MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type	Financing	Amount	Term up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
	N/A	Up to $50,000	Up to 60 Months	6.99%	$19.80	5.99%	$19.29

Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARD (VARIABLE RATE)
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available		Credit Limits up to $15,000	Revolving	APR as low as 12.24%	N/A	Prime + a margin	N/A

SHARE SECURED LOAN
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available	100% of Share Bal.	Up to $10,000	24 Months	3.50%	$43.21
	100% of Share Bal.	Up to $10,000	48 Months	4.00%	$22.59	-	-
	100% of Share Bal.	Up to $10,000	72 Months	5.00%	$16.11

CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500
Loan Type	Financing	Amount	Term Up to	APR As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available	Borrow up to 90% of your Certificate Balance for 2 Years or Less			3.00% Above Certificate Dividend Rate		-	-
	Borrow up to 90% of your Certificate Balance for 2 Years or Less			3.00% Above Certificate Dividend Rate

Home Equity
Loan Type	CLTV	Amount Maximum	Term Up to	APR*
Home Equity Line of Credit	Up to 70%	$125,000	20 year	Prime + 0.25%
Home Equity Line of Credit	Up to 80%	$125,000	20 year	Prime + 0.50%

MORTGAGE LOANS
Loan Type	LTV	Amount Maximum	APR
5/1 ARM	80%	$2,000,000	weekly rate
15-Year Fixed	80%	$2,000,000	weekly rate
30-Year Fixed	80%	$2,000,000	weekly rate

*Auto Loan rates over $100,000 will be subject to a 0.50% rate increase

**APR is Annual Percentage Rate and is accurate as of 01/01/2023. Expiration date of promotion and rates are subject to change without notice. Minimum loan amount $5,000.00. Maximum term of 36 months. Direct pay by Credit Union required. Loans are subject to SAG-AFTRA FCU lending guidelines. Our rate includes a 1% discount for automatic payment from your SAFCU checking account. APR as low as 7.74% up to 36 months (Example: “For a $20,000 personal loan for a term of 36 months with an 7.74% APR, the monthly payment will be $624.39.”) Qualifying rate based on credit worthiness. Loan proceeds cannot be applied to existing SAFCU loans. SAG-AFTRA Federal Credit Union membership and account required. See Credit Union Representative for more details regarding eligibility.
Offer expires February 28th, 2023.